Crunching the Numbers

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Crunching the Numbers

Buying and selling a home is, in many ways, a numbers game. You have to consider the selling price of your property, the purchase price of a new home, your budget, your required financing, and much more.

You can lose this game easily if you’re wrong about just one of those categories. For example, if your home ends up selling for 10% less than you expected, it could wreak havoc on your budget. As a result, you might not be able to afford the kind of new home you wanted.

That’s why I’m here to help.

If you’re thinking of selling, I can show you what your current property would likely sell for in today’s market — based on data, not speculation. I can also give you a clear picture of how much you can expect to pay for the type of new home you want.

As your REALTOR®, this is a service I’m happy to offer, even if you haven’t made a firm decision to sell and are “just thinking about it”.

Give me a call! 416-779-8732

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Helping Seniors Live at Home Longer

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Helping Seniors Live at Home Longer

As the baby-boomer generation reaches retirement, many still have aging parents who are in relatively good health, but require special accommodations to remain independent. Fortunately, advances in accessibility design and technology help seniors live in their own homes longer, whether that home is a condo or a “Granny Flat” adjacent to a larger family home. Renovations to enable mobility may include wheelchair accessibility hands-free door openers, motion sensor lighting, walk-in tubs, grab- bars and toilets with raised seats. But new tech devices and apps may serve the greatest role in helping seniors live at home. For example, sensors can report activities such as medication routines, appliance usage, and even nighttime roaming. Furthermore, monitoring devices can offer 24- hour interaction with loved ones.

*Article provided by Morris Marketing*

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Reducing Toxins in Your Home.

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Reducing Toxins in Your Home.
 
You may be surprised to discover that many common household products contain chemicals that could cause discomfort or harm to family members. If you are concerned about your indoor air quality (IAQ), take the time to check the labels on the products you have purchased. While arsenic and formaldehyde are commonly known, there are many other chemicals that are also worth examination.
 
Check government agencies and consumer-advocate websites for comprehensive lists of chemicals to be wary of throughout your home. Then, go through each room and consider the ingredients in the following products:
 
Bathroom: Cosmetics, soaps and skin softeners
 
Kitchen: Cleaning agents, aerosol sprays and air fresheners
 
Laundry: Detergents, fabric softeners and stain treatments
 
Living Areas: Synthetic fabrics, including carpets, drapery and treated furnishings (e.g. pressed wood)
 
Storage: Solvents, furniture stripper, paints, varnish, polish and insecticides
 
*Article provided by Morris Marketing*
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A Condo Can Be an Ideal Income Property

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A Condo Can Be an Ideal Income Property.
 
Regardless of whether you live in a house or condo, owning an income producing condo can prove to be a very savvy real estate investment.
 
Condos can be attractive investments because they usually require very little maintenance by the owner. However, managing an income property is not as easy as offering a short-term rental on your principal or vacation property.
 
In many cases, legal agreements, bylaw compliance and condo rules and regulations come into play. Also, you will need to decide whether to be a hands-on landlord or to hire a property management firm to handle a variety of services, including dealing with tenants.
 
Property managers can relieve you of handling most of the time-consuming aspects of landlord/tenant relations, including interviewing prospective tenants, collecting rent and managing routine repairs. They may even handle tax compliance and deduction eligibilities, property and liability insurance, and even basic legal requirements. However, hiring a property manager will not exempt you from your obligations as the condo owner, and your requirement to comply with condo corporation rules.
 
It is also important to note that management fees added to condo fees will affect your monthly net income.
 
*Article provided by Morris Marketing*
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Want to Do Better? Track Your Progress!

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Want to Do Better? Track Your Progress!
 
Do you have something you want to learn or do better in 2018? Maybe it’s mastering a new language, becoming a more effective manager, or, spending more quality time with family and friends.
 
One of the best ways to accomplish that goal is to track your progress. According to research, tracking motivates you for two reasons: it gives you a realistic picture of where you are and how far you’ve come; and, it acts as a form of accountability.
 
If you’re learning a new language, for example, you might want to track the number of new phrases you master each week, or how long a conversation you can comfortably hold in that new language.
 
There are many ways to track your progress. You can use a notebook, spreadsheet or even a wall calendar. There are even online apps for tracking.
 
How often should you track? That depends on what you’re trying to accomplish. Experts say the frequency should be no less than weekly.
 
*Article Provided by Morris Marketing*
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5 Minute Strategies that will Get You in Better Shape

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5 Minute Strategies that will Get You in Better Shape
 
You don’t have to exercise for hours every day to get in shape. Here are some simple things you can do each day that take just a few minutes:
 
• Park further away from work or get off the bus or train at an earlier stop. Walk the rest of the way.
 
• Do simple exercises, like dumbbell curls, whenever you get a few minutes. Keep your dumbbells at your office or home – wherever you can get to them most easily.
 
• Stand up as often as you can. If you’re an office worker, consider getting a stand-up desk. (There are portable models available that sit on top of traditional desks.)
 
• Climb stairs rather than use an escalator. In taller buildings, climb to the third floor and take the elevator from there.
 
• Get up a little earlier each day to do something physical, even if it’s just a short walk around the block.
 
As you can see, these strategies are easy to fit into a busy lifestyle. Yet, in just a few weeks, they can have a big impact on your fitness level.
 
*Article Provided by Morris Marketing*
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Creating a Practical Plan for Achieving a Goal

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Creating a Practical Plan for Achieving a Goal

Experts say there’s a big difference between setting a goal and achieving it. To increase the probability that you’ll reach your goal, you need to create a practical plan. That means taking the timeline for your goal, dividing it into weeks, and planning exactly what you’ll do each week.

Your weekly activities need to be realistic and move you steadily toward the finish line.

Say, for example, your New Year’s resolution is to travel to Rome. Wishful thinking won’t get you there, but a good plan will. The first three weeks of that plan might look like this:

  • Week 1: Research travel to Rome, including flights, hotels and costs.
  • Week 2: Create a realistic budget. Figure out how much you’ll need to save each week. Open a no-fee savings account for this purpose.
  • Week 3: Borrow an Italian phrase book from the library and start practicing.

As you can see, weekly planning propels you towards your goal. Try this technique for your 2018 aspirations!

*Information Provided by Morris Marketing*

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5 Financial Habits that will Make You Richer

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5 Financial Habits that will MAKE YOU RICHER!
 
You don’t have to win the lottery to get wealthier. Anyone, on virtually any income, can simply adopt these habits:
 
1. Save a little from each paycheck. Tucking away just 5% of your income can build up your savings substantially over time.
 
2. Use coupons. 82% of consumer goods companies issue coupons, yet only 23% of shoppers use them. Coupons can cut a grocery bill by an average of 15%.
 
3. Avoid credit card debt. Interest rates on those are famously high and can cost you a lot of money each year.
 
4. Feast at home, not at restaurants. It’s fun to go out to a nice restaurant occasionally. Just don’t make it an expensive habit. Buy a gourmet packaged meal instead.
 
Combine it with a bottle of wine and you have a feast!
 
5. Watch out for automatic renewals. It’s all too easy to forget to cancel a subscription to a magazine you no longer read — until, of course, you’re charged again!
 
These simple habits can help you become wealthier in 2018.
 
*Article Supplied by Morris Marketing*
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How to Avoid Costly Legal Mistakes

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How to Avoid Costly Legal Mistakes

When you’re buying or selling a home, there are many small but important legal issues that you may be unaware of that are, nevertheless, critical to get right. Residential real estate is a complicated process. When such a major investment is transferred from one party to another, there are subtle details to take care of that can turn into major problems if not handled correctly.

It is essential to understand the legal ins and outs that will properly protect you when you buy or sell a home. There are several issues that will certainly cost you if you are not properly informed. It is not uncommon for misinformation to cost local homesellers thousands of dollars in the sale of their home. Don’t let this happen to you.

A FREE report has been specially prepared to help you understand how to avoid costly legal mistakes. Order this report NOW to protect your investment when you buy or sell your home.

 

http://www.ruthballantyne.com/coaching_legal

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Stop Paying Rent!

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Stop Paying Rent!

If you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours. How could it when you’re not even permitted to bang in a nail or two without a hassle. You feel like you’re stuck in the renter’s rut with no way of rising up out of it and owning your own home.

Well, don’t feel trapped anymore! A new FREE Special Report entitled “How To Stop Paying Rent and Own Your Own Home” has already helped dozens of local renters get out from under their landlord’s finger, and move into a wonderful home they can truly call their own. You can make this move too by discovering the important steps detailed in this special report.

It doesn’t matter how long you’ve been renting, or how insurmountable your financial situation may seem. With the help of this report, it will become suddenly clear to you how you really can save for the down payment and stop wasting thousands of dollars on rent.

Order this report NOW and stop wasting thousands of dollars on rent.

http://www.ruthballantyne.com/stop_renting

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Copyright © 2018 Brampton Real Estate Talk. All rights reserved. Disclaimer: All content on this blog is my own opinion and should not be treated as fact or relied upon when purchasing or selling real estate.